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<title>Cost of Homeowners Insurance</title>
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<h1>What Affects the Cost of Homeowners Insurance?</h1>
	<p>Like auto insurance, the cost of homeowners coverage depends largely
	on where you live. Crime rates vary from community to community and so
	does the access to your local fire department, police department, and
	water supply. These factors help determine the protection class. Along
	with the value of your house, the following factors determine the rates
	you pay for homeowner's coverage. </p>
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	<li><em>Type of Construction:</em> Frame houses usually cost more to
	insure than brick. 
	</li><li><em>Age of House:</em> New homes may qualify for discounts. Older
	homes may not qualify for preferred programs. Insurers may require
	older homes to have updated heating, plumbing, wiring and roofing. 
	</li><li><em>Local Fire Protection:</em> Your home&#8217;s distance from a
	fire hydrant and the quality of your local fire department determine
	your fire protection class. 
	</li><li><em>Amount of Coverage:</em> The amount of coverage you buy for your
	house, contents and personal liability will affect the price you pay. 
	</li><li><em>Deductible Amount:</em> Your choice of a higher deductible will
	reduce the price for homeowners insurance. 
	</li><li><em>Discounts:</em> Insurers offer lower prices for such things as
	insuring your home and car with the same company and installing deadbolt
	locks or alarm systems. </li>
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